Rati's love marriage to businessman and architect Anil Virwani on February 9, 1985,coupled with her father's death, convinced Rati to leave Hindi films when she was still at the top. In 1987, she gave birth to her only child Tanuj, and she concentrated on raising him and focusing on other creative interests like architectural creations for her husband. She also received a degree in Reiki, where she distantly heals people. Even though she retired from films, she would still appear at film events looking beautiful and glamorous, and as a result, the film offers kept coming in.

She has acted in six languages: Hindi, Tamil, Telugu, Kannada, Malayalam, and English.

She can speak Punjabi, Hindi, English, Tamil, Telugu, and Kannada.

Her cousin is actor-writer-director Atul Agnihotri, and she played a part of a cardiac surgeon in his film Dil Ne Jisse Apna Kahaa (2004).

In 2006, Rati and her husband opened a shopping mall called Virwani Plaza in Pune, where one of the stores "Om to Home – Candles and More in the Mall" houses art effects, exclusive fashion accessories, and candles all personally designed by the actress.

Rati is currently working in a serial named Kaajjal on SET Asia.

Her sister, Anita Agnihotri (Miss India) lives in Szczecin, Poland and owns an Indian restaurant "Bombay".

Filmography :

Aisa Kyon Hota Hain (2005)
Pehchaan: The Face of Truth (2005)
Socha Na Tha (2005)
Ho Jaata Hai Pyaar (2005)
Kis Kis Ki Kismat (2004)
Shukriya: Till Death Do Us Apart (2004)
Dil Ne Jise Apna Kaha (2004)
Kyun...! Ho Gaya Na (2004)
Dev (2004)
Hum Tum (2004)
Dukaan: Pila House (2004)
Krishna Cottage (2004)
Anyar (2003)
Chupke Se (2003)
Kaante (2002)
Yeh Hai Jalwa (2002)
Na Tum Jaano Na Hum (2002)
Tumse Achcha Kaun Hai (2002)
Kranti (2002)
Majunu (2001)
Yaadein (2001)
Kuch Khatti Kuch Meethi (2001)
Jaan-E-Wafa (1990)
Zalzala (1988)
Hukumat (1987)
Itihaas (1987)
Dadagiri (1987)
Dil Tujhko Diya (1987)
Mera Suhag (1987)
Ek Aur Sikander (1986)
Zindagani (1986)
Aap Ke Saath (1986)
Babu (1985)
Bepanaah (1985)
Tawaif (1985)
Bhawani Junction (1985)
Dekha Pyar Tumhara (1985)
Ek Se Bhale Do (1985)
Jaanoo (1985)
Karishma Kudrat Kaa (1985)
Triveni (1985)
Ulta Seedha (1985)
Zabardast (1985)
John Jani Janardhan (1984)
Mashaal (1984)
All Rounder (1984)
Boxer[disambiguation needed] (1984)
Mera Faisla (1984)
Paapi Pet Ka Sawaal (1984)
Rakta Bandhan (1984)
Coolie (1983)
Mujhe Insaaf Chahiye (1983)
Main Awara Hoon (1983)
Mazdoor (1983)
Pasand Apni Apni (1983)
Rishta Kagaz Ka (1983)
Shubh Kaamna (1983)
Star (1982)
Waqt Ke Shehzade (1982)
Ayaash (1982)
Farz Aur Kanoon (1982)
Johnny I Love You (1982)
Kaliyuga Ramudu (1982)
Sumbandh (1982)
Swami Dada (1982)
Sahhas (1981)
Ek Duuje Ke Liye (1981)
Tirugu Leni Manishi (1981)
Do Dil Diwane (1981)
Jeene Ki Arzoo (1981)
Satyam Shivam (1981)
Shaukeen (1981)
Punnami Naagu (1980)
Murattu Kaalai (1980)
Niram Maaratha Pookkal (1979)
Puthiya Vaarpugal (1979)